I pulled my FICO scores on Jan 1 using CCT, at the time they were:
EQ: 764
TU: 770
EX: 760
AAoA was 1.4 years, 1% util ($262/$5000 on one card), and the SSL had not yet been reported.
Fast forward to today (Jan 10), the Alliant SSL (paid down to $42/$500) has shown up on EQ and TU, and my scores dropped :
EQ: 742 
TU: 760
EX: 760 (SSL not reported yet)
AAoA is still 1.2 years, but to be fair I'm now at $1039/$5000 on one card, so individual util jumped from 5.2% to 21%. Although this shouldn't matter as it hasn't been reported yet.
What's even more interesting are the reason codes given for EQ and TU.
Under positive factors, TU lists "Substantial installment loan repayment" while this is notably absent from EQ. And instead, EQ now has an additional negative factor for "seeking credit", which was not present on the Jan 1 report. Additionally, the positive factor of "few accounts with balances" has now disappeared from both EQ and TU.
I'm starting to think I might be getting dinged for "too many new accounts" even though it's not listed as a factor, because I can't for the life of me figure out why my EQ08 tanked by 22 points and my TU08 also dropped 10 points with an installment loan reporting. It's not like I crossed some AAoA threshold either since it only dropped from 16 months to 14 months.
My only logical explanation at this point is I've been rebucketed and unfortunately landed in a bucket where my AAoA and AoYA is really hurting me.
Either way, thought I'd share to get some feedback and stimulate some discussion.
@Anonymous wrote:On the SSL that has recently reported, what is the reported balance and the original amount of the loan?
High limit (loan amount) = $500
Reported balance = $42
And can you confirm for the people on the thread that you have no other open installment accounts? (Loans, auto leases, etc.) Also of interest is whether you had any closed installment accounts.
The Alliant SSL is my first and only installment account of any kind
Can you check through all of your CC balances as they appear on both reports? (Jan 1 and 10) You mention a change in one credit card but then mention it hasn't changed on the report.
Both reports still show a balance of $262 on my Barclays Uber. I only mentioned the change in util in case it factors in somehow.
What tool did you use to get your scores today? Was it another CCT pull, complete with a fresh updated credit report? You may want to use one or two other tools to check your reports, just to be on the safe side, e.g. Karma.
Yes it was another CCT pull I managed to squeeze in at the very end of my trial membership. Can't check CK until Friday, but Chase Credit Journey and Transunion True ID all have matching reports.
Curious to hear more.
Youngest account was 1 month (or is it 2 months going by how CRAs calculate age?). Actually make that 3 accounts since I opened 3 new revolvers in November. Should this even matter though? Don't remember seeing anyone complain in the mega thread their score went down, usually it's a boost of 20-30 points, but mine went the other way. 
What I don't understand is why the ding to my EQ score is so much greater than my TU score. I mean yes I have 3 inq on EQ vs only 1 on TU, but before the SSL there was only a 6 point spread. Everything seem to point towards me being rebucketed with EQ at least. There's just no other logical explanation. (unless installment accounts also count towards AZEO) Now I can't wait to find out how much of a ding EX will doll out ugh.
Trust me I'm scratching my head just as much. It's so phenomenally bizarre that I truly don't have the faintest clue as to what could have possibly happened apart from saying I got rebucketed. Someone get T_Thumb in here pronto! 
Instead of typing out a wall of text I'm just gonna show you the following 4 screenshots that should provide all the needed info:
Jan 1
Jan 10
The positive factors ignore. Seriously, they have no bearing on your score at all and aren't generated from the algorithm... they're just someone's interpretation of your score. That is true of the green factors in myFICO's interface too.
Your throw away comment might've been spot on: if you have an additional "Seeking Credit" reason code you may have shifted to a different scorecard, maybe. Was this your first installment loan of any type open or closed and how many total tradelines?
Something is a bit weird anyway. That said 760 is in line with what I'd expect after a year of history basically. CCT doesn't give you more reason codes than that? Awkward.
Yeah this is the first installment loan of any kind ever on my report, and 5 tradelines in total including the SSL.
If I did indeed shift to a new scorecard, I'm probably being lumped together with people who have very thick files and a very established history. So having an AAoA of just 1 year along with a bunch of new tradelines certainly is going to get penalized very heavily.
@arkane wrote:Youngest account was 1 month (or is it 2 months going by how CRAs calculate age?). Actually make that 3 accounts since I opened 3 new revolvers in November. Should this even matter though? Don't remember seeing anyone complain in the mega thread their score went down, usually it's a boost of 20-30 points, but mine went the other way.
What I don't understand is why the ding to my EQ score is so much greater than my TU score. I mean yes I have 3 inq on EQ vs only 1 on TU, but before the SSL there was only a 6 point spread. Everything seem to point towards me being rebucketed with EQ at least. There's just no other logical explanation. (unless installment accounts also count towards AZEO) Now I can't wait to find out how much of a ding EX will doll out ugh.
It appears you have opened 4 new accounts recently. The impact of new accounts may not be realized until after the account shows its reported use. It's likely your score is being hurt by the following:
1) Too many accounts recently opened. The SSL + a newly used revolver could have put you over a point deduct threshold.
2) Time since most recent account opening is too short. [this impacts some profiles - young/clean - much more than others]
3) Too many inquiries in the last 12 months/Date of last inquiry too recent
Based on your scorecard/ profile the above are temporarily keeping you from your hoped for boost in score - IMO. I think your score may increase 30 to 40 points in the next 90 days as risk of infant account mortality decreases. Let things stabilize.
Note: Inquiries is not a scorecard assignment criteria but QTY in the last 12 months is a scoring factor.